# Bank of Bird-in-Hand CD rates

As of October 23, 2026, Bank of Bird-in-Hand's highest tracked CD rate is 4.05% APY on a 6-month CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.25% to 4.05% APY.

Canonical page: https://apyledger.com/cd-rates/bank-of-bird-in-hand
Institution: Bank of Bird-in-Hand (FDIC 59074)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:06.000Z (October 23, 2026)
Official source: https://bihbank.com/personal/savings-cds/
Coverage: Personal CD and IRA-shared rates, with a $500 minimum opening deposit. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD/IRA | standard | 6 months | $500 | 4.05% | Not ZIP-priced | −0.29% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |
| CD/IRA | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.71% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |
| CD/IRA | standard | 18 months | $500 | 4.05% | Not ZIP-priced | −0.53% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |
| CD/IRA | standard | 24 months | $500 | 3.65% | Not ZIP-priced | −1.05% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |
| CD/IRA | standard | 36 months | $500 | 3.55% | Not ZIP-priced | −1.23% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |
| CD/IRA | standard | 48 months | $500 | 1.25% | Not ZIP-priced | −3.56% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |
| CD/IRA | standard | 60 months | $500 | 1.25% | Not ZIP-priced | −3.59% | 2026-10-23T11:31:06.000Z | [Snapshot 999](https://apyledger.com/snapshots/999) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.